Consider there exist a template for BCH loan contracts, Each time a new block mined, the interest increase. The actural intrest rate will change with the avg blocktime varies
If you were debtor, you will have to pay 4 times interest to creditor when the avg blktime reduce to 2.5 min. Therefore the blktime should not change.
If must change due to community votes. Change it as early as possible and never change it again!
